Research Report On The Development Of Digital Inclusive Finance In Xining City

Digitalization is the theme of nowdays,and with the development of technology and Internet,inclusive financial has been booming.As an organic combination of information technology and traditional financial services in the new era,digital Inclusive Finance has greatly enhanced the breadth and depth of traditional financial services,so that all groups who has demand for financial services can obtain the financial services they need,equally participate in the existing financial system,and increase the convenience and availability of financial services.Traditional financial services mainly distribute more resources in the areas where population and business are concentrated,so as to obtain greater economic benefits.But Digital Inclusive Finance makes financial services more direct and customer coverage more extensive.From the perspective of the social groups covered,the product innovation of digital finance reduces the threshold of customer access,greatly reduces the aristocracy of financial services,and effectively alleviates the financial exclusion effect.This paper takes Xining City as the research object,through the way of questionnaire and interview,from the perspective of residents to understand the development of digital Inclusive Finance in Xining city and the potential demand of residents for financial services,and to analyze the basis,breadth and depth of development of digital Inclusive Finance,so as to find out the problems and shortcomings in the development of digital inclusive financial business among the residents of Xining,and put forward corresponding countermeasures and suggestions to promote the development of digital Inclusive Finance in Xining city in order to improve the availability of financial products and services.The main conclusions of this paper are as follows: first,the infrastructure construction of the development of digital inclusive financial business in Xining city is acceptable,but there is still room for improvement.2.In terms of the scope of the development of digital inclusive financial business,credit card,mobile banking,digital credit and other businesses are relatively underdeveloped and need to be further strengthened.III.from the perspective of the depth of development of digital inclusive financial services,residents' financial awareness is relatively weak,and they do not understand and trust the existing digital financial services,resulting in low degree of use and insufficient depth of use.According to the research conclusion,this paper puts forward some suggestions from the aspects of strengthening the infrastructure construction,increasing the promotion and popularization of digital financial products,improving the public financial education system,learning from the practical experience of other countries and regions in developing digital Inclusive Finance.